Crop Hail Insurance
Field-by-Field Hail Protection

Targeted Protection for Hail-Prone Acres

Crop hail insurance is a private policy designed to cover physical damage to your crops from hail, above and beyond what's included in Multi-Peril Crop Insurance (MPCI). If you experience summer storms and hail events you know they can hit the most valuable fields without warning, hail coverage gives producers peace of mind-and the flexibility to insure at the field, crop, or acre level.


Hail coverage has changed dramatically in the last several years. Probably the newest type of hail coverage is Companion Hail Policies. You must have a MPCI policy before you can buy one of these policies. These policies have several multipliers, they can be very advantageous in the event of a small loss as they are multiplied times the factor that you have purchased. With a small loss there would most likely not be a loss on the MPCI policy, but there would be very good coverage on Companion Hail Plans. It covers the GAP that a MPCI policy wouldn't cover.


Another new feature with crop hail is the Auto Crop feature. This works out very well, as hail coverage is automatically added when you report your MPCI acres. If you haven’t reported your acres as long as auto hail was elected your planted acres are covered even before you report acres. We see more and more farmers doing this every year.

Simple, Flexible & Claim Coverage

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Coverage based on Hail Damage

You choose coverage for specific acres/crops. If hail damages those acres, the policy pays according to the percentage lost and your selected coverage.

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Flexible Deductibles & Endorsements

Policies can be customized with deductible options (to lower premium) and popular endorsements like wind, fire, or replant cost coverage-tailored to your operation's risks.

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Fast Local Response

After a storm, call your Gateway Insurance Agent right away. Local adjusters assess damage, document losses, and process claims-so you're not left waiting.

Layered Protection for Growers

MPCI

Protects overall yield/revenue across your acres, but may not make you whole after isolated hail loss on high-value ground.

Crop Hail

Protects your crops from the ever present threat of hail damage

endorsements

Companion Hail and Auto Crop, both require an MPCI Policy.

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Gateway offers multiple carrier choices, so you can compare coverage structures, deductible options, and rates.

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We guide you through claim steps, help document losses, and keep the process transparent.

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Checklist for an Accurate Quote

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Crop and acreage details

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Township/range or field location basics

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Coverage amount goal per acre

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Desired deductible/endorsement options

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Planting/coverage timing (best to quote pre-season, but mid-season is possible)

Frequently Asked Questions

  • Is crop hail insurance worth it?

    For many producers, yes-hail is one of the biggest localized crop threats. Hail insurance lets you protect high-value acres directly, even if your MPCI doesn't trigger a claim.

  • How does crop hail insurance pay?

    Policies are based on the percentage of field loss (as determined by adjuster inspection), times your selected coverage per acre.

  • Can I get coverage near Bismarck?

    Absolutely. Call, text or email for local support, serving policies and we can provide a quote as well.

Compare. Choose. Move On.

We will always try our best to find the best policy that fits with the crop and your operation as we have written a lot of hail insurance.



If you haven't bought crop hail in recent years or want to know more, please don't hesitate to contact one of our offices and see how we can help you get the coverage you need and will give you peace of mind from any devastating hail storms.